FinWise (FINW)
NASDAQ:FINW
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FINW Stock Chart & Stats
$17.23
$0.10(0.59%)
At close: 4:00 PM EST
$17.23
$0.10(0.59%)
Day’s Range― - ―
52-Week Range$13.49 - $22.49
Previous CloseN/A
Volume1.18K
Average Volume (3M)16.72K
Market Cap
$213.13M
Enterprise Value$210.13M
Total Cash (Recent Filing)$33.92M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)14.3
Beta0.70
Next Earnings
Jul 23, 2026EPS Estimate
0.28Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.20
Shares Outstanding13,706,039
10 Day Avg. Volume14,165
30 Day Avg. Volume16,716
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)1.19
Price to Sales (P/S)1.52
P/FCF Ratio-0.04
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue1.33
Enterprise Value/Gross Profit2.87
Enterprise Value/Ebitda10.72
Forecast
1Y Price Target
$20.00Price Target Upside16.08% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.65
Revenue Forecast (FY)$237.21M
Bulls Say, Bears Say
Bulls Say
High And Growing Loan OriginationsSustained, large originations demonstrate durable platform demand and scale for both core lending and BaaS partnerships. Consistent origination volumes expand interest-bearing assets and support longer-term net interest income growth even if near-term charge-offs vary.
Conservative Balance Sheet And Strong CapitalizationVery low leverage and a high bank leverage ratio provide substantial financial flexibility to fund growth, absorb credit losses or invest in products. Strong capitalization supports regulatory resilience and underpins long-term strategic initiatives without immediate refinancing pressure.
BaaS/partnership Product MomentumA diversifying BaaS and payments pipeline creates recurring fee streams and partner-driven deposit flows, lowering reliance on interest margin alone. Platform partnerships and product launches build structural competitive advantage and cross-sell potential over the medium term.
Bears Say
Significant Margin CompressionA multi-year collapse in margins reduces the firm's ability to convert revenue into sustainable profits and weakens return on equity. Even with top-line growth, lower margins constrain internal capital generation and limit long-term shareholder returns without structural expense or pricing fixes.
Weak Cash Generation (negative OCF/FCF)Consecutive years of negative operating and free cash flow indicate earnings are not reliably converting to cash. This undermines funding for growth, increases reliance on external financing or equity, and heightens vulnerability to funding stress if credit or deposit dynamics worsen.
Rising Credit Costs And NPL Migration RiskElevated charge-offs and potential watchlist-to-NPL migration create persistent provision volatility and can materially increase credit expenses. Higher credit costs compress margins, force more conservative underwriting, and may limit the pace of profitable balance-sheet expansion over the medium term.
FinWise News
FINW FAQ
What was FinWise’s price range in the past 12 months?
FinWise lowest stock price was $13.48 and its highest was $22.49 in the past 12 months.
What is FinWise’s market cap?
FinWise’s market cap is $213.13M.
When is FinWise’s upcoming earnings report date?
FinWise’s upcoming earnings report date is Jul 23, 2026 which is in 83 days.
How were FinWise’s earnings last quarter?
FinWise released its earnings results on Apr 30, 2026. The company reported $0.2 earnings per share for the quarter, missing the consensus estimate of $0.323 by -$0.123.
Is FinWise overvalued?
According to Wall Street analysts FinWise’s price is currently Undervalued.
Does FinWise pay dividends?
FinWise does not currently pay dividends.
What is FinWise’s EPS estimate?
FinWise’s EPS estimate is 0.28.
How many shares outstanding does FinWise have?
FinWise has 13,706,039 shares outstanding.
What happened to FinWise’s price movement after its last earnings report?
FinWise reported an EPS of $0.2 in its last earnings report, missing expectations of $0.323. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of FinWise?
Currently, no hedge funds are holding shares in FINW
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
FinWise Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$20.00 (16.08% Upside)
$20.00 (16.08% Upside)
Hedge Fund Trend
Decreased
By 19.0K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.08%
12-Months-Change
Fundamentals
Return on Equity
8.00%
Trailing 12-Months
Asset Growth
36.36%
Trailing 12-Months
Company Description
FinWise
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits. The company also provides small business administration, residential and commercial real estate, consumer, and commercial non-real estate loans. In addition, it offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and cash management and treasury services. The company operates one full-service banking location in Sandy, Utah; and a loan production office in Rockville Centre, New York. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
FINW Company Deck
FINW Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented strong business momentum—notably 22% YoY originations growth, full-year net income up 26%, expanding credit-enhanced balances that boosted NII and NIM, and healthy product/partnership pipeline—while also disclosing near-term headwinds including elevated Q4 net charge-offs, higher provisions, rising noninterest expenses and a higher efficiency ratio. Management characterized the servicing-standard-related charge-offs as a prudent, largely one-time adjustment and highlighted guidance for continued organic credit-enhanced growth and stable core originations; however, risks remain from lumpiness in NPL migrations, SBA processing seasonality, and a measured ramp for payments/BIN revenue. Overall, positives around scale, margin expansion, and product traction meaningfully outweigh the near-term credit and expense noise, with a balanced but favorable forward outlook.View all FINW earnings summariesFINW Stock 12 Month Forecast
Average Price Target
$20.00
▲(16.08% Upside)
Technical Analysis
Primis Financial
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Timberland Bancorp
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Chemung Financial
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Isabella Bank
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LINKBANCORP
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Ownership Overview
20.32% Insiders
9.24% Mutual Funds
4.85% Other Institutional Investors
59.71% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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